FAQ Category: Visa Credit Card
How can I see how much I’ve spent on my card and how much I owe?
You can quickly check your balance in the MyPDCU Mobile App. Just log in, select your Visa® Credit Card account, and you’ll see your current balance along with any past-due amount. Together, this shows your total amount...
Continue ReadingWhat are the benefits of a contactless card?
Contactless cards offer several benefits over traditional cards that require a physical swipe or insertion into a card reader. Some of these benefits include: Speed: Contactless cards can be scanned quickly and easily, resulting in faster and more...
Continue ReadingWhat credit score do I need to qualify for a credit card?
Most credit card issuers look for a fair to excellent credit score, typically ranging from 580 to 850, depending on the card. Higher scores generally increase your chances of approval and offer better interest...
Continue ReadingHow long does it take to get approved?
Credit card approval can take anywhere from a few minutes (for online applications) to a couple of business days, depending on the complexity of your financial...
Continue ReadingAre there any fees for applying for or using the card?
There are no application fees or balance transfer fees, but there are a few fees to be aware of: [table...
Continue ReadingWhat happens if I miss a payment?
Missing a payment can lead to late fees, higher interest rates, and potential harm to your credit score. To avoid this, it’s essential to make at least the minimum payment by the due date each month. Keep in mind that any missed or delayed payments...
Continue ReadingWhat is the credit limit, and can it be increased?
Your initial credit limit will depend on your credit score, income, and other financial factors. After regular use and responsible payment behavior, many issuers offer credit limit increases over...
Continue ReadingCan I transfer balances from other credit cards?
Yes, you can! With People Driven Credit Union's Rewards Driven Credit Card, there are no balance transfer fees. You can reduce the interest you pay by transferring your high-interest credit card balances to a PDCU Rewards Driven Credit Card, all without...
Continue ReadingHow do I use a contactless card
Using your People Driven Credit Union contactless debit card is quick, secure, and touch-free. How do I use a contactless card at People Driven Credit Union? Look for the contactless symbol (sideways Wi-Fi icon) at checkout. Then simply: Tap your...
Continue ReadingHow do I report a lost or stolen Visa credit card?
What should I do if my People Driven Credit Union Visa credit card is lost or stolen? If your Visa credit card is lost or stolen, contact People Driven Credit Union immediately to report it and protect your account. What to do right away Call PDCU...
Continue ReadingHow do I make a payment on my People Driven Visa credit card?
How do I make a payment on my People Driven Credit Union Visa credit card? You can make your People Driven Visa credit card payment through approved online, mobile, or supported payment channels. Payment options Online payment through digital...
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